Monthly subscription can be paid in cash or cheque or DD favouring
Padmakshi Jewellers.

On successful completion of 11th month's subscription from the date
of enrolment members are eligible for one month subscription as
bonus.

No making charges on purchases made under savings schemes.*

Savings scheme is applicable only for gold jewellery, not applicable
for precious stones Studded jewellery and nagas items.

Members have to carry their membership card while walking in to
the store for making monthly payment.

Cash will not be refunded under any circumstances as per government
regulations.

Any member discontinuing/defaulting under savings scheme will not
be eligible for bonus or any other benefits under savings scheme.

He / She can avail jewellery for the total amount paid till date.

TERMS AND CONDTIONS

1.

The monthly advance payment must be equal and paid continuosly for eleven months

2.

On completion of eleven months from the data of enrolment the member will be eligible to avail
No Wastage (VA) on jewellery (except special items like Diamond, Platinum, Uncut Diamnonds,
Ruby Emerald, Ethnic, Vintage, Silver aarticles, jewellery) limited to the accumulated advance
amount only or the accumulated Gold weight based on the option chosen by the member (The
advance payment cannot be extended beyond elelven months).

3.

On completion of eleven monthly advance payments from the date of enrolment the member is
eligible for purchase of jewellery.

4.

The monthly advance payment must be equal and paid continuosly for eleven months Cash will not be refunded under any circumstances, as per Government regulations.

5.

Members who choose to discontinue enrolment will not be elgible for any benefits.

6.

The advnce payment cannot be extended for more than 11 months. The plan will be discontinued
as per terms mentioned above in the event of any default in the monthly advance payments
hence it is required that a member pays the advance payments continuously without fail.

7.

Making Charges will be charged according to the type of jewellery purchased.

8.

The total advance amount paid will be refunded to the members without any benefit, if the
member does not purchase jewellery withi 12 months from the date of enrolment.

8.

The total advance amount paid will be refunded to the members without any benefit, if the
member does not purchase jewellery withi 12 months from the date of enrolment.

9.

When the member purchases jewellery in excess of accumulated amount or in excess of
accumulated Gold weight, the Making charges (VA) as applicable will be born by the member
for the difference amount / weight.

10.

The total advance amount paid will be refunded to the members without any benefit, if the
member does not purchase jewellery withi 12 months from the date of enrolment.